In New York, which of the following is included in no-fault insurance coverage?

No-fault insurance in New York primarily refers to Personal Injury Protection (PIP) coverage, which is designed to provide immediate medical and related expenses to an insured person, regardless of who is at fault in an accident. This coverage is mandated in New York and is essential for ensuring that injured parties receive timely medical treatment without the need to establish liability first.

Personal Injury Protection covers various expenses, including medical bills, lost wages, and essential services for individuals injured in motor vehicle accidents. This promotes quick recovery and reduces the burden on the court system by minimizing the number of lawsuits arising from car accidents.

In contrast, bodily injury liability, property damage liability, and collision coverage do not fall under the no-fault model. Bodily injury liability pertains to the legal responsibility of the driver at fault for the injuries sustained by others, whereas property damage liability covers damages to another person's property due to an accident. Collision coverage relates to damages to one's own vehicle from a collision, not specifically tied to personal injuries or the no-fault insurance framework.